Company: Torres & Co. Lending LLC
NMLS ID: 2736702
At Torres & Co. Lending LLC, your trust is our most valuable asset. Protecting the privacy and security of your personal information is not only required by law—it is our responsibility and commitment to you. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our company online and offline.
Information We Collect
We may collect the following categories of personal information from you, depending on your interactions with us:
- Personal Identifiers: Name, address, phone number, email, Social Security number, date of birth, driver’s license or government ID.
- Financial Information: Bank account details, income, assets, liabilities, tax returns, employment details, and credit history.
- Transaction Information: Loan applications, account activity, payment history, and communications with us.
- Device/Technical Information: IP address, browser type, device ID, cookies, and usage data collected when you visit our website.
- Third-Party Information: Credit reports, public records, and verification services obtained through authorized third parties.
SMS Communications
By providing your mobile phone number and opting in through our website, forms, applications, or other communication channels, you consent to receive SMS text messages from Torres & Co. Lending, LLC.
These messages may include:
- Loan application updates
- Mortgage process updates
- Appointment reminders
- Requests for documentation
- Transaction status updates
- Customer service communications
- Information requested by the consumer
Message frequency varies based on your interaction with us and the status of your loan transaction.
Message and data rates may apply.
You may opt out at any time by replying STOP to any text message. For assistance, reply HELP or contact us directly.
SMS consent is not shared with third parties or affiliates for marketing purposes.
How We Use Your Information
We use your personal information for legitimate business purposes, including but not limited to:
- Processing and evaluating mortgage applications.
- Verifying identity, employment, and income.
- Obtaining credit and background checks.
- Communicating with you regarding your application, loan status, or related services.
- Complying with federal, state, and local laws and regulations.
- Improving our website, products, and services.
- Marketing and client communications, subject to opt-out rights.
How We Share Your Information
We do not sell your personal information. We may disclose it only as permitted by law and only to the following categories of recipients:
- Affiliates: Subsidiaries and related companies under Torres & Co.
- Service Providers: Appraisers, title companies, credit bureaus, processors, underwriters, and closing agents.
- Regulatory & Legal: Government agencies, auditors, and regulators as required by law.
- Professional Advisors: Attorneys, accountants, and auditors assisting in business operations.
- Business Transfers: In the event of a merger, acquisition, or sale of company assets, subject to confidentiality obligations.
Cookies and Online Tracking
Our website may use cookies, web beacons, and similar technologies to improve your browsing experience, analyze site traffic, and personalize content. You may disable cookies in your browser, but doing so may limit functionality.
We do not track users across third-party websites for targeted advertising, nor do we respond to “Do Not Track” signals at this time.
Security of Your Information
We maintain administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Examples include:
- Secure, encrypted portals for document uploads.
- Restricted access to personal information by authorized personnel only.
- Regular audits and monitoring of our information security systems.
While we employ industry-standard security practices, no system can guarantee 100% security.
Your Rights and Choices
Depending on your state of residence, you may have rights under federal or state law, including:
- Access & Correction: The right to request access to the personal information we hold and correct inaccuracies.
- Deletion: The right to request deletion of certain personal information, subject to legal and contractual obligations.
- Opt-Out: The right to opt-out of certain marketing communications.
- Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
Requests can be submitted by contacting us at:
- Email: hi@elitekyhomes.com
- Phone: 727-604-7707
- Mail: Torres & Co. Lending, 3903 Northdale Blvd. #100e, Northdale, FL 33624
Your Rights and Choices
Depending on your state of residence, you may have rights under federal or state law, including:
- Access & Correction: The right to request access to the personal information we hold and correct inaccuracies.
- Deletion: The right to request deletion of certain personal information, subject to legal and contractual obligations.
- Opt-Out: The right to opt-out of certain marketing communications.
- Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
Requests can be submitted by contacting us at:
- Email: hi@elitekyhomes.com
- Phone: 727-604-7707
- Mail: Torres & Co. Lending, 3903 Northdale Blvd. #100e, Northdale, FL 33624
Children’s Privacy
Our services are not directed toward individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a child, we will delete it immediately.
Legal Compliance
We comply with all applicable federal and state privacy laws, including but not limited to:
Federal Laws
- Gramm-Leach-Bliley Act (GLBA) – Requires financial institutions to explain how they share and protect customer information.
Federal Trade Commission – GLBA (https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act) - Fair Credit Reporting Act (FCRA) – Regulates access, accuracy, and use of consumer credit information.
Consumer Financial Protection Bureau – FCRA (https://www.consumerfinance.gov/learnmore/consumer-reporting-companies/) - Equal Credit Opportunity Act (ECOA) – Prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
CFPB – ECOA Overview (https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/equal-credit-opportunity-act/) - Fair Housing Act (FHA) – Prohibits discrimination in housing-related transactions.
HUD – Fair Housing Act Overview (https://www.hud.gov/helping-americans/fair-housing-act-overview#openModal)
State-Specific Consumer Privacy Laws
While Torres & Co. Lending is licensed in Florida and Kentucky, we are committed to complying with the privacy laws of all states in which we operate, now and in the future.
- California Consumer Privacy Act (CCPA) & California Privacy Rights Act (CPRA): Provides California residents with rights to know, access, delete, and opt out of the sale of personal information.
California Office of the Attorney General – CCPA/CPRA (https://oag.ca.gov/privacy/ccpa) - Virginia Consumer Data Protection Act (VCDPA): Provides Virginia residents with similar rights to access, delete, and correct personal data.
Virginia State Law Portal – VCDPA (https://law.lis.virginia.gov/vacode/title59.1/chapter52/) - Colorado Privacy Act (CPA): Requires transparency, consumer rights, and data protection for Colorado residents.
Colorado Department of Law – CPA (https://coag.gov/resources/colorado-privacy-act/) - Connecticut Data Privacy Act (CTDPA): Provides consumer rights similar to California, Virginia, and Colorado.
Connecticut General Assembly – CTDPA (https://www.cga.ct.gov/2022/act/pa/pdf/2022PA-00015-R00SB-00006-PA.PDF) - Utah Consumer Privacy Act (UCPA): Establishes consumer data privacy rights for Utah residents.
Utah State Legislature – UCPA (https://le.utah.gov/~2022/bills/static/SB0227.html)
Florida & Kentucky Specifics
Currently, Florida and Kentucky do not have comprehensive consumer privacy statutes like California or Virginia. However, Torres & Co. Lending remains proactive and will comply with any future state laws where we are licensed. As we expand into additional states, we will update this Privacy Policy to ensure full compliance with any state-specific consumer privacy laws.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal obligations. Updates will be posted on our website with the effective date.
Contact Us
For questions regarding this Privacy Policy or how we handle your personal information, you may contact us at:
Torres & Co. Lending LLC
3903 Northdale Blvd, Suite 100E
Northdale, FL 33624
Email: hi@elitekyhomes.com
Phone: 727-604-7707
NMLS #2736702
⚖️ Legal Note: This Privacy Policy is designed to provide full compliance coverage for a mortgage brokerage website and includes references to federal and state requirements, GLBA compliance, and online consumer rights.
